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jkhlkhnlkjhklgh | Why do banks charge you an 'insufficient funds' fee for money they already know you don't have? |
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 |
 
goody_2_shoes
 |
Hey, it's not stupidity. And you don't always have to write checks to spend money. What about an ATM/DEBT card? That doesn't count as "writing a bad check" so maybe talk about something you actually know.
It happened to me and there was nothing I could have done to "manage my money better." What are people supposed to do when bills come due, tuition is due, and you have survive? Banks do it to be dickheads. They don't care if you are drowing. They feel it necessary to charge the **** out of you and making you take more time to get your account off negative even though they will eventually get their money back.
It sucks. I know. |
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evanlah
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because that is the terms you agreed to. you will be penalized for breaking your terms. same as if you go over your credit limit on a charge card, you are gonna get a fee charged. |
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Davyd R
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It's a not so polite way to ask you to leave.
Banks only make money by charging money for loans. If you go negative they are giving you a loan and want to be paid for it.
Put cash in your pocket and only pay your day to day activities. If you have no cash in your pocket you can't afford it.
Louis CK has a joke about going negative in your bank account .... He's so broke he can't afford free stuff. "I can't afford that, I have negative money" |
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Dee
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You are charged an insufficient funds fee because you wrote a check or made a purchase you didn't have money for. You should be happy that the item got paid and not rejected. Imagine your embarrassment if the check didn't get paid and you had to pay a fee to the company that you wrote the check to. Good, bad or indifferent banks are a business that everyone loves to hate. Here is another thought all banks offer overdraft protection to help the customer avoid paying the fee why not think of applying for that. |
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Joan H
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Be thankful, you get off with a fee. You could be charged with writing a bad check, if you know you don't have money in the bank to pay the check. |
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DannoREA
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Because stupidity should be painful. You're charged a fee as a penalty for not managing your money more wisely.
Keep track of the checks you write and ber careful when you know you are (or should be ) getting low. |
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Michael F
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I dont know ask Louis CK, he does a hilarious bit on it |
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smartiebc
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That's their way of teaching one that it pays to wrote checks for amounts you don't have or make purchases for things you don't have....When it is all said and done its more money for them and more pain for you |
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Erin S
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Because they want to make money off of your misfortune or miscalculations! Think of how much they make a day/year on those fees! |
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AZ123
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because you wrote a check on it and the person tried to cash it |
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